Card Details

Regular APR:	13.24%, 17.24% or 21.24% (Variable)
Intro APR (Purchases):	0% for 18 months
Intro APR (Balance transfers):	0% for 18 months
Rewards Rate:	None
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

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0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
No Penalty APR.
Late Fee Waiver.
No Foreign Transaction Fees.
$0 Annual Fee.
$0 liability for unauthorized purchases.

Is HSBC Gold Mastercard worth it?

HSBC Gold Mastercard is a great card for balance transfers and paying off big purchases over time, with a 0% Intro APR for 18 months. This card also allows one missed payment per year without charging a late fee.

Pros

0% Intro APR on purchases and balance transfers for 18 months
No annual fee

Cons

Higher than average balance transfer
No rewards

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	4% of the balance transfer amount/credit card check or $10, whichever is greater
Cash Advance Fee	4% of the transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Get Started with HSBC Gold Mastercard

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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